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10 Best SIP Plans for 10, 20 Year Investment 2025

Updated on October 3, 2025 , 232599 views

“What if I told you that Investing just ₹10,000 a month could potentially make you a crorepati in 15 years? That’s the power of a SIP — but only if you choose the right plan and stick with it.”

In India, SIP investments crossed ₹20,000 crore per month in 2024, proving how lakhs of investors are betting on disciplined wealth-building. But here’s the catch — not all SIP plans deliver equally. If your horizon is 10–20 years, you’re in the sweet spot for compounding. This is where small monthly investments can snowball into a massive corpus — enough for retirement, your child’s IIT/IIM dream, or even early financial freedom.

SIP

In this article, we’ll explore the 10 Top SIP plans for 2025 designed for long-term growth, analyse their performance, show wealth projections, and even cover diversification options like international funds — so you can invest smartly and confidently.

What is a SIP?

A Systematic Investment plan (SIP) is a disciplined way of investing in Mutual Funds, where you contribute a fixed amount every month (as low as ₹500). Instead of worrying about timing the market, SIPs average out your cost and let your money grow consistently over time.

For long-term goals (10–20 years), SIPs work best because they combine:

  • Compounding → reinvesting returns to multiply wealth
  • Rupee Cost Averaging (RCA) → reducing risk of Volatility
  • Affordability → start small, scale later
  • Discipline → automatic, hassle-free investing

Why SIPs Work Best for 10–20 Years

1. Power of Compounding – The Real Wealth Builder

Compounding is like a snowball effect — the longer your money stays invested, the larger it grows. The “interest on interest” accelerates wealth creation in the later years.

Example:

  • Invest ₹5,000/month for 10 years at 12% annualised return → ₹5 lakh principal grows to ₹11.6 lakh.
  • Keep going for 20 years → ₹12 lakh principal grows to ₹49 lakh + That’s over 4x growth simply by giving your money more time.

This is why SIPs are most powerful when held for at least 15–20 years.

2. Rupee Cost Averaging (RCA) – Your Shield Against Timing the Market

Nobody can perfectly predict market highs and lows. With SIPs, you don’t have to.

  • When markets are high → you buy fewer units.
  • When markets fall → you buy more units at cheaper prices.

Over time, your purchase price averages out, reducing the “wrong entry” risk. This is especially valuable in volatile markets like India’s, where short-term ups and downs can scare investors.

Example: A lump sum investor in Jan 2020 (before COVID crash) would have panicked. But an SIP investor kept buying through the crash and the rebound, benefiting from low prices.

3. Affordability & Flexibility – Investing Fits Your Budget

Unlike lump sum investments, SIPs are designed for affordability. You can start small (₹500 or ₹1,000/month) and step up later as your income grows.

Example: Many professionals begin with ₹2,000/month SIPs in their 20s and later raise it to ₹10,000–₹15,000/month in their 30s. This step-up strategy can increase your final corpus by 30–40% without straining your budget.

Flexibility features like pausing SIPs during emergencies or switching funds make it beginner-friendly.

4. Reduced Emotional Bias – Discipline Wins the Game

One of the biggest enemies of wealth creation is human behaviour. We tend to:

  • Invest more when markets are booming (FOMO).
  • Panic sell when markets crash.

SIPs automate discipline. Since the money is auto-debited every month, you continue investing regardless of market noise. This ensures you buy in both good and bad times, and avoid destructive emotional decisions.

Example: Investors who continued SIPs even during the 2008 crisis saw massive wealth creation by 2018 because they bought at rock-bottom prices.

In short: SIPs work best in 10–20 years because they combine compounding, discipline, affordability, and risk-averaging — qualities no other investment vehicle offers in such a balanced way.

Best SIP Plans for 10–20 Years in 2025

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Fund Selection Methodology used to find 10 funds

  • Investment Option: SIP
  • AUM Range: 500 to 100000 Cr
  • Minimum fund age: 5 years
  • Sorted On : 5-year return (high to low)
  • Tags: SmartSip, fcpro
  • No Of Funds: 10
  • Funds suggested criteria is selected based on long terms returns and higher risk & assets under management (AUM) is high.

Best SIP Plans for 10, 20 Year Investment

FundNAVNet Assets (Cr)Min SIP Investment3 MO (%)6 MO (%)1 YR (%)3 YR (%)5 YR (%)2024 (%)
ICICI Prudential Infrastructure Fund Growth ₹196.05
↑ 1.40
₹7,645 100 -1.59.8-1.229.53727.4
HDFC Infrastructure Fund Growth ₹47.771
↑ 0.23
₹2,483 300 -0.99.2-2.829.634.223
Franklin Build India Fund Growth ₹141.794
↑ 1.03
₹2,884 500 -0.99.7-1.82933.727.8
Bandhan Infrastructure Fund Growth ₹49.852
↑ 0.44
₹1,613 100 -3.47.6-9.727.733.439.3
DSP India T.I.G.E.R Fund Growth ₹314.208
↑ 2.73
₹5,303 500 -1.810-8.427.233.232.4
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 3 Oct 25

Research Highlights & Commentary of 5 Funds showcased

CommentaryICICI Prudential Infrastructure FundHDFC Infrastructure FundFranklin Build India FundBandhan Infrastructure FundDSP India T.I.G.E.R Fund
Point 1Highest AUM (₹7,645 Cr).Bottom quartile AUM (₹2,483 Cr).Lower mid AUM (₹2,884 Cr).Bottom quartile AUM (₹1,613 Cr).Upper mid AUM (₹5,303 Cr).
Point 2Established history (20+ yrs).Established history (17+ yrs).Established history (16+ yrs).Established history (14+ yrs).Oldest track record among peers (21 yrs).
Point 3Rating: 3★ (bottom quartile).Rating: 3★ (bottom quartile).Top rated.Rating: 5★ (upper mid).Rating: 4★ (lower mid).
Point 4Risk profile: High.Risk profile: High.Risk profile: High.Risk profile: High.Risk profile: High.
Point 55Y return: 37.05% (top quartile).5Y return: 34.24% (upper mid).5Y return: 33.70% (lower mid).5Y return: 33.36% (bottom quartile).5Y return: 33.23% (bottom quartile).
Point 63Y return: 29.46% (upper mid).3Y return: 29.62% (top quartile).3Y return: 28.96% (lower mid).3Y return: 27.71% (bottom quartile).3Y return: 27.16% (bottom quartile).
Point 71Y return: -1.16% (top quartile).1Y return: -2.82% (lower mid).1Y return: -1.77% (upper mid).1Y return: -9.71% (bottom quartile).1Y return: -8.44% (bottom quartile).
Point 8Alpha: 0.00 (top quartile).Alpha: 0.00 (upper mid).Alpha: 0.00 (lower mid).Alpha: 0.00 (bottom quartile).Alpha: 0.00 (bottom quartile).
Point 9Sharpe: -0.48 (top quartile).Sharpe: -0.64 (upper mid).Sharpe: -0.64 (lower mid).Sharpe: -0.71 (bottom quartile).Sharpe: -0.71 (bottom quartile).
Point 10Information ratio: 0.00 (top quartile).Information ratio: 0.00 (upper mid).Information ratio: 0.00 (lower mid).Information ratio: 0.00 (bottom quartile).Information ratio: 0.00 (bottom quartile).

ICICI Prudential Infrastructure Fund

  • Highest AUM (₹7,645 Cr).
  • Established history (20+ yrs).
  • Rating: 3★ (bottom quartile).
  • Risk profile: High.
  • 5Y return: 37.05% (top quartile).
  • 3Y return: 29.46% (upper mid).
  • 1Y return: -1.16% (top quartile).
  • Alpha: 0.00 (top quartile).
  • Sharpe: -0.48 (top quartile).
  • Information ratio: 0.00 (top quartile).

HDFC Infrastructure Fund

  • Bottom quartile AUM (₹2,483 Cr).
  • Established history (17+ yrs).
  • Rating: 3★ (bottom quartile).
  • Risk profile: High.
  • 5Y return: 34.24% (upper mid).
  • 3Y return: 29.62% (top quartile).
  • 1Y return: -2.82% (lower mid).
  • Alpha: 0.00 (upper mid).
  • Sharpe: -0.64 (upper mid).
  • Information ratio: 0.00 (upper mid).

Franklin Build India Fund

  • Lower mid AUM (₹2,884 Cr).
  • Established history (16+ yrs).
  • Top rated.
  • Risk profile: High.
  • 5Y return: 33.70% (lower mid).
  • 3Y return: 28.96% (lower mid).
  • 1Y return: -1.77% (upper mid).
  • Alpha: 0.00 (lower mid).
  • Sharpe: -0.64 (lower mid).
  • Information ratio: 0.00 (lower mid).

Bandhan Infrastructure Fund

  • Bottom quartile AUM (₹1,613 Cr).
  • Established history (14+ yrs).
  • Rating: 5★ (upper mid).
  • Risk profile: High.
  • 5Y return: 33.36% (bottom quartile).
  • 3Y return: 27.71% (bottom quartile).
  • 1Y return: -9.71% (bottom quartile).
  • Alpha: 0.00 (bottom quartile).
  • Sharpe: -0.71 (bottom quartile).
  • Information ratio: 0.00 (bottom quartile).

DSP India T.I.G.E.R Fund

  • Upper mid AUM (₹5,303 Cr).
  • Oldest track record among peers (21 yrs).
  • Rating: 4★ (lower mid).
  • Risk profile: High.
  • 5Y return: 33.23% (bottom quartile).
  • 3Y return: 27.16% (bottom quartile).
  • 1Y return: -8.44% (bottom quartile).
  • Alpha: 0.00 (bottom quartile).
  • Sharpe: -0.71 (bottom quartile).
  • Information ratio: 0.00 (bottom quartile).

About the Fincash Research Team

At Fincash, our mission is to help investors make informed, confident decisions. With over 9 years in Mutual Fund distribution, our team blends deep industry expertise with a commitment to transparency, accuracy, and investor education.

Who We Are

AMFI Registration No.
112358
MCA CIN
U74999MH2016PTC282153
Location
Thane, Maharashtra, India
Experience
9+ years in Mutual Fund distribution

Our Expertise

  • Certified Mutual Fund Distributors with hands-on advisory experience.
  • Market analysts tracking performance, macro trends, and sectors.
  • Data specialists processing NAVs, allocations, and risk metrics from Morning Star.

Our Research Process

  • Data sourcing: SEBI-registered fund houses & verified third-party provider Morning Star
  • Screening: Returns, manager track record, expenses, sector mix, risk-adjusted metrics.
  • Expert review: Senior team members review every article and list for accuracy.
  • Updates: Regular refreshes so performance data reflects current market conditions.

Why Trust Us

  • Regulated & compliant: AMFI-registered and MCA-incorporated.
  • Investor-first: No pay-to-promote lists; suitability and performance drive coverage.
  • Education-focused: We simplify complex concepts for everyday investors.

Disclaimer

Content is for educational and informational purposes only and is not investment advice. Please consider your risk profile and consult a financial advisor before investing.

All the funds mentioned above are ideal, we are giving you detailed analysis of 5 funds.

1. ICICI Prudential Infrastructure Fund

To generate capital appreciation and income distribution to unit holders by investing predominantly in equity/equity related securities of the companies belonging to the infrastructure development and balance in debt securities and money market instruments.

Research Highlights for ICICI Prudential Infrastructure Fund

  • Highest AUM (₹7,645 Cr).
  • Oldest track record among peers (20 yrs).
  • Rating: 3★ (lower mid).
  • Risk profile: High.
  • 5Y return: 37.05% (upper mid).
  • 3Y return: 29.46% (lower mid).
  • 1Y return: -1.16% (upper mid).
  • Alpha: 0.00 (upper mid).
  • Sharpe: -0.48 (upper mid).
  • Information ratio: 0.00 (upper mid).
  • Top sector: Industrials.
  • Top bond sector: Cash Equivalent.
  • Equity-heavy allocation (~95%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding Larsen & Toubro Ltd (~9.4%).

Below is the key information for ICICI Prudential Infrastructure Fund

ICICI Prudential Infrastructure Fund
Growth
Launch Date 31 Aug 05
NAV (03 Oct 25) ₹196.05 ↑ 1.40   (0.72 %)
Net Assets (Cr) ₹7,645 on 31 Aug 25
Category Equity - Sectoral
AMC ICICI Prudential Asset Management Company Limited
Rating
Risk High
Expense Ratio 1.89
Sharpe Ratio -0.48
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 100
Exit Load 0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

DateValue
30 Sep 20₹10,000
30 Sep 21₹20,062
30 Sep 22₹22,524
30 Sep 23₹31,255
30 Sep 24₹50,301
30 Sep 25₹48,047

ICICI Prudential Infrastructure Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹756,118.
Net Profit of ₹456,118
Invest Now

Returns for ICICI Prudential Infrastructure Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 3 Oct 25

DurationReturns
1 Month 1.6%
3 Month -1.5%
6 Month 9.8%
1 Year -1.2%
3 Year 29.5%
5 Year 37%
10 Year
15 Year
Since launch 16%
Historical performance (Yearly) on absolute basis
YearReturns
2024 27.4%
2023 44.6%
2022 28.8%
2021 50.1%
2020 3.6%
2019 2.6%
2018 -14%
2017 40.8%
2016 2%
2015 -3.4%
Fund Manager information for ICICI Prudential Infrastructure Fund
NameSinceTenure
Ihab Dalwai3 Jun 178.25 Yr.
Sharmila D’mello30 Jun 223.17 Yr.

Data below for ICICI Prudential Infrastructure Fund as on 31 Aug 25

Equity Sector Allocation
SectorValue
Industrials38.63%
Basic Materials15.71%
Financial Services15.25%
Utility10.39%
Energy8.23%
Real Estate2.98%
Consumer Cyclical1.94%
Communication Services1.71%
Asset Allocation
Asset ClassValue
Cash5.16%
Equity94.84%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Larsen & Toubro Ltd (Industrials)
Equity, Since 30 Nov 09 | LT
9%₹720 Cr1,998,954
NTPC Ltd (Utilities)
Equity, Since 29 Feb 16 | NTPC
5%₹363 Cr11,079,473
Adani Ports & Special Economic Zone Ltd (Industrials)
Equity, Since 31 May 24 | ADANIPORTS
4%₹298 Cr2,268,659
Reliance Industries Ltd (Energy)
Equity, Since 31 Jul 23 | RELIANCE
4%₹275 Cr2,029,725
NCC Ltd (Industrials)
Equity, Since 31 Aug 21 | NCC
3%₹267 Cr13,053,905
↑ 531,900
Vedanta Ltd (Basic Materials)
Equity, Since 31 Jul 24 | VEDL
3%₹264 Cr6,279,591
Kalpataru Projects International Ltd (Industrials)
Equity, Since 30 Sep 06 | KPIL
3%₹225 Cr1,803,566
Axis Bank Ltd (Financial Services)
Equity, Since 31 Dec 20 | AXISBANK
3%₹209 Cr1,996,057
↑ 100,000
AIA Engineering Ltd (Industrials)
Equity, Since 28 Feb 21 | AIAENG
3%₹202 Cr660,770
CESC Ltd (Utilities)
Equity, Since 30 Jun 23 | CESC
2%₹178 Cr11,700,502

2. HDFC Infrastructure Fund

To seek long-term capital appreciation by investing predominantly in equity and equity related securities of companies engaged in or expected to benefit from growth and development of infrastructure.

Research Highlights for HDFC Infrastructure Fund

  • Bottom quartile AUM (₹2,483 Cr).
  • Established history (17+ yrs).
  • Rating: 3★ (bottom quartile).
  • Risk profile: High.
  • 5Y return: 34.24% (lower mid).
  • 3Y return: 29.62% (upper mid).
  • 1Y return: -2.82% (bottom quartile).
  • Alpha: 0.00 (lower mid).
  • Sharpe: -0.64 (lower mid).
  • Information ratio: 0.00 (lower mid).
  • Top sector: Industrials.
  • Top bond sector: Cash Equivalent.
  • Equity-heavy allocation (~92%).
  • Largest holding ICICI Bank Ltd (~7.3%).

Below is the key information for HDFC Infrastructure Fund

HDFC Infrastructure Fund
Growth
Launch Date 10 Mar 08
NAV (03 Oct 25) ₹47.771 ↑ 0.23   (0.48 %)
Net Assets (Cr) ₹2,483 on 31 Aug 25
Category Equity - Sectoral
AMC HDFC Asset Management Company Limited
Rating
Risk High
Expense Ratio 2.06
Sharpe Ratio -0.64
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 300
Exit Load 0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

DateValue
30 Sep 20₹10,000
30 Sep 21₹18,908
30 Sep 22₹20,652
30 Sep 23₹29,739
30 Sep 24₹46,335
30 Sep 25₹43,823

HDFC Infrastructure Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹705,310.
Net Profit of ₹405,310
Invest Now

Returns for HDFC Infrastructure Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 3 Oct 25

DurationReturns
1 Month 1.1%
3 Month -0.9%
6 Month 9.2%
1 Year -2.8%
3 Year 29.6%
5 Year 34.2%
10 Year
15 Year
Since launch
Historical performance (Yearly) on absolute basis
YearReturns
2024 23%
2023 55.4%
2022 19.3%
2021 43.2%
2020 -7.5%
2019 -3.4%
2018 -29%
2017 43.3%
2016 -1.9%
2015 -2.5%
Fund Manager information for HDFC Infrastructure Fund
NameSinceTenure
Srinivasan Ramamurthy12 Jan 241.64 Yr.
Dhruv Muchhal22 Jun 232.2 Yr.

Data below for HDFC Infrastructure Fund as on 31 Aug 25

Equity Sector Allocation
SectorValue
Industrials38.25%
Financial Services20.27%
Basic Materials10.14%
Utility6.94%
Energy6.33%
Communication Services3.68%
Real Estate2.29%
Health Care1.84%
Technology1.62%
Consumer Cyclical0.47%
Asset Allocation
Asset ClassValue
Cash8.17%
Equity91.83%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 09 | ICICIBANK
7%₹182 Cr1,300,000
Larsen & Toubro Ltd (Industrials)
Equity, Since 30 Jun 12 | LT
6%₹137 Cr380,000
HDFC Bank Ltd (Financial Services)
Equity, Since 31 Aug 23 | HDFCBANK
5%₹133 Cr1,400,000
Kalpataru Projects International Ltd (Industrials)
Equity, Since 31 Jan 23 | KPIL
4%₹95 Cr758,285
J Kumar Infraprojects Ltd (Industrials)
Equity, Since 31 Oct 15 | JKIL
3%₹86 Cr1,400,000
InterGlobe Aviation Ltd (Industrials)
Equity, Since 31 Dec 21 | INDIGO
3%₹85 Cr150,000
NTPC Ltd (Utilities)
Equity, Since 31 Dec 17 | NTPC
3%₹72 Cr2,200,000
Reliance Industries Ltd (Energy)
Equity, Since 31 May 24 | RELIANCE
3%₹68 Cr500,000
Bharti Airtel Ltd (Communication Services)
Equity, Since 30 Sep 20 | BHARTIARTL
3%₹66 Cr350,000
G R Infraprojects Ltd (Industrials)
Equity, Since 31 Jul 21 | 543317
2%₹59 Cr470,000

3. Franklin Build India Fund

The Scheme seeks to achieve capital appreciation by investing in companies engaged directly or indirectly in infrastructure related activities.

Research Highlights for Franklin Build India Fund

  • Lower mid AUM (₹2,884 Cr).
  • Established history (16+ yrs).
  • Top rated.
  • Risk profile: High.
  • 5Y return: 33.70% (bottom quartile).
  • 3Y return: 28.96% (bottom quartile).
  • 1Y return: -1.77% (lower mid).
  • Alpha: 0.00 (bottom quartile).
  • Sharpe: -0.64 (bottom quartile).
  • Information ratio: 0.00 (bottom quartile).
  • Top sector: Industrials.
  • Top bond sector: Cash Equivalent.
  • Equity-heavy allocation (~96%).
  • Largest holding Larsen & Toubro Ltd (~8.3%).

Below is the key information for Franklin Build India Fund

Franklin Build India Fund
Growth
Launch Date 4 Sep 09
NAV (03 Oct 25) ₹141.794 ↑ 1.03   (0.73 %)
Net Assets (Cr) ₹2,884 on 31 Aug 25
Category Equity - Sectoral
AMC Franklin Templeton Asst Mgmt(IND)Pvt Ltd
Rating
Risk High
Expense Ratio 2.01
Sharpe Ratio -0.64
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 500
Exit Load 0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

DateValue
30 Sep 20₹10,000
30 Sep 21₹19,616
30 Sep 22₹20,506
30 Sep 23₹28,515
30 Sep 24₹45,123
30 Sep 25₹42,883

Franklin Build India Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹689,048.
Net Profit of ₹389,048
Invest Now

Returns for Franklin Build India Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 3 Oct 25

DurationReturns
1 Month 1.1%
3 Month -0.9%
6 Month 9.7%
1 Year -1.8%
3 Year 29%
5 Year 33.7%
10 Year
15 Year
Since launch 17.9%
Historical performance (Yearly) on absolute basis
YearReturns
2024 27.8%
2023 51.1%
2022 11.2%
2021 45.9%
2020 5.4%
2019 6%
2018 -10.7%
2017 43.3%
2016 8.4%
2015 2.1%
Fund Manager information for Franklin Build India Fund
NameSinceTenure
Ajay Argal18 Oct 213.87 Yr.
Kiran Sebastian7 Feb 223.57 Yr.
Sandeep Manam18 Oct 213.87 Yr.

Data below for Franklin Build India Fund as on 31 Aug 25

Equity Sector Allocation
SectorValue
Industrials35.76%
Utility13.85%
Energy12.84%
Financial Services12.22%
Communication Services7.94%
Basic Materials4.92%
Real Estate3.03%
Consumer Cyclical2.89%
Technology2.35%
Asset Allocation
Asset ClassValue
Cash4.2%
Equity95.8%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Larsen & Toubro Ltd (Industrials)
Equity, Since 29 Feb 20 | LT
8%₹239 Cr665,000
InterGlobe Aviation Ltd (Industrials)
Equity, Since 29 Feb 20 | INDIGO
6%₹169 Cr300,000
ICICI Bank Ltd (Financial Services)
Equity, Since 31 Mar 12 | ICICIBANK
6%₹168 Cr1,200,000
Reliance Industries Ltd (Energy)
Equity, Since 31 Oct 21 | RELIANCE
6%₹163 Cr1,200,000
Oil & Natural Gas Corp Ltd (Energy)
Equity, Since 30 Jun 19 | ONGC
6%₹160 Cr6,825,000
↑ 425,000
NTPC Ltd (Utilities)
Equity, Since 30 Nov 16 | NTPC
5%₹142 Cr4,350,000
↑ 225,000
Bharti Airtel Ltd (Communication Services)
Equity, Since 30 Sep 09 | BHARTIARTL
5%₹134 Cr710,000
Axis Bank Ltd (Financial Services)
Equity, Since 31 Mar 12 | AXISBANK
4%₹105 Cr1,000,000
Power Grid Corp Of India Ltd (Utilities)
Equity, Since 28 Feb 21 | POWERGRID
3%₹99 Cr3,600,000
Delhivery Ltd (Industrials)
Equity, Since 31 Mar 24 | 543529
3%₹84 Cr1,800,000

SIP Calculator Example: 10 vs 20 Years

SIP Amount Duration Expected Returns (12% CAGR) Final Corpus
₹5,000/month 10 years ~₹11.6 lakh ~₹11.6 lakh
₹5,000/month 20 years ~₹49 lakh ~₹49 lakh
₹10,000/month 20 years ~₹98 lakh ~₹98 lakh

Insight: Doubling your time horizon (10 → 20 years) multiplies wealth 4X, thanks to compounding.

Taxation of SIP Investments (2025 Rules)

Equity SIPs:

  • STCG (<1 year): 15% tax
  • LTCG (≥1 year): 10% tax (above ₹1 lakh gains)

Debt SIPs:

  • STCG: Taxed as per income slab
  • LTCG: 20% with indexation (≥3 years)

SIPs in ELSS (Equity Linked Savings Scheme) also offer ₹1.5 lakh deduction under Section 80C.

Who Should Invest in SIPs for 10–20 Years?

  • Salaried professionals planning retirement

  • Parents planning for children’s higher education or marriage

  • Young investors aiming for ₹1 crore+ corpus

  • Anyone who wants disciplined, long-term wealth creation

  • ❌ Not suitable for those looking for short-term or guaranteed returns.

Expert Tips Before Investing

  • Do not exceed 15% of Portfolio allocation.
  • Always check fund expense ratio.
  • Consider SIPs for disciplined global investing.
  • Track global economic news (US Fed, China GDP, oil prices).
  • Avoid chasing short-term returns — treat them as long-term wealth creators.

How to Invest in Mutual Fund SIP Online?

  1. Open Free Investment Account for Lifetime at Fincash.com.

  2. Complete your Registration and KYC Process

  3. Upload Documents (PAN, Aadhaar, etc.). And, You are Ready to Invest!

    Get Started

Final Thoughts

SIPs are the most reliable way to build long-term wealth in India. With just ₹500–₹5,000 per month, you can achieve major life goals in 10–20 years. Use Indian equity SIPs as your core portfolio and add a small allocation to International Mutual Funds for diversification. In 2025, with rising global themes (AI, EVs, clean energy), and India’s growth story, SIPs remain the smartest way to participate in wealth creation.

FAQs

Q1. Which SIP is best for 20 years in India?

A: Large cap, flexi cap, and ELSS Equity Funds are best for long horizons.

Q2. Can I become a crorepati by SIP?

A: Yes. A ₹10,000 SIP for 20 years at 12% CAGR can grow to nearly ₹1 crore.

Q3. What is the minimum amount to start a SIP?

A: You can start with ₹500/month, some AMCs allow even ₹100/month.

Q4. Which SIPs are tax-saving?

A: ELSS (Equity Linked Savings Schemes) qualify for Section 80C deduction.

Q5. Should I stop my SIP during market crashes?

A: No. Continuing SIPs during downturns buys more units at lower prices.

Disclaimer:
All efforts have been made to ensure the information provided here is accurate. However, no guarantees are made regarding correctness of data. Please verify with scheme information document before making any investment.
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SHiva, posted on 28 Oct 19 9:03 AM

Well explanation with indepth details.very inspirational information for investment in MF. Thanks.

Heera, posted on 5 Jan 19 4:26 PM

Great! Informative SIP Thread. Very well covered and presented.

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